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    Référence: 20220279
    Date de publication: 23 février 2023

    Promoteur – Intermédiaire Financier




    Izicap is a fintech SME that has developed an innovative card-linked Customer Relationship Management (CRM) & Loyalty solution for local brick-and-mortar merchants, which transforms payment terminals into powerful marketing tools.

    Additionality and Impact

    Izicap is a French FinTech SME offering a payment card-linked loyalty solution targeting small merchants operating local, physical stores. The project supports the Innovation, Digital and Human Capital (IDHC) policy objective by supporting an innovative start-up that provides small merchants, which have been severely hit during the COVID-19 pandemic, with an affordable solution that enables them to retain their customers (i.e. individual consumers) and better resist to large retail groups. The project generates significant positive RDI externalities through the application of the technology in various industries and through knowledge spill-overs to customer SMBs and partners (acquirers, card schemes). The project is therefore strengthening the EU's market position in the context of payment value-added services and customer loyalty and enhancing the competition in this field. EIB's venture debt financing combines a 3-year availability period associated with a long-term maturity date and a bullet repayment so the Borrower can focus on sustainable growth by deploying

    its technological and commercial roadmap prior to an equity round expected in 2023. This financing is expected to support the company in maintaining its competitive edge while creating a financial catalyst effect by setting solid grounds in view of a future equity round.


    The project will finance investments in research, development and innovation (RDI) activities, as well as the commercial growth of the company.


    Montant BEI envisagé (montant approximatif)

    EUR 15 million

    Coût total (montant approximatif)

    EUR 53 million

    Aspects environnementaux

    The project activities do not fall under the annexes of the environmental impact assessments (EIA) Directive 2014/52/EU amending Directive 2011/92/EU, and are therefore not subject to mandatory EIA. The activities included in the scope of the project will be performed in existing buildings and are not expected to have any relevant environmental impact.

    Passation des marchés

    The promoter has been assessed by the EIB as being a private company not operating in the utilities sector and not having a status of a contracting entity, and is thus not subject to EU rules on public procurement.


    Signé - 22/08/2022

    À l'examen
    19 août 2022
    22 août 2022

    Clause de non-responsabilité

    Avant d’être approuvés par le Conseil d’administration et avant la signature des prêts correspondants, les projets font l’objet d’une instruction et de négociations. Par conséquent, les informations et données fournies sur cette page sont indicatives.
    Elles sont fournies à des fins de transparence uniquement et ne peuvent être considérées comme représentant la politique officielle de la BEI (voir également les notes explicatives).

    Mots-clés correspondants

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